Many couples get so caught up with planning all the obvious details of their wedding--such as the cake, the wedding decorations, the gown and gifts for members of the wedding party--that they often overlook the importance of selecting the right wedding photographer. It’s important to remember that the photographer you choose will be responsible for capturing the moments and memories of what may be the most important day of your life! With this in mind, you'll want to take great care in selecting a wedding photographer considering there are no second chances.
As you might imagine, wedding photography is one of the most challenging types of professional photography. The wedding photographer has to make everyone look beautiful, shooting in a multitude of locations in all kinds of weather conditions--and accomplish all this in minimum amount of time. At the same time, your wedding photographer should have the personality to complement you on your most joyous day. Take your time and follow some of the simple suggestions discussed below, and you will most certainly be satisfied with the outcome.
Where Do You Begin?
Personal referrals or asking friends, relatives and co-workers for suggestions, is a great place to start. Typically, people who have had positive experiences with photographers are more than willing to share that information. In addition, you’ll already have some insight about the photographer’s personality before you actually meet. After compiling a preliminary list, visit each photographer’s web site and thoughtfully review his or her online portfolio. If a portfolio looks appealing you, chances are, that photographer might be a good fit. Next, call or email each photographer on your list. Through this initial contact, you can determine the photographer’s availability, the type of work they specialize in (candid or traditional) as well as an estimate of the cost and what you’ll receive for that fee.
Schedule appointments with the photographers who seem most appropriate and ask to view their portfolios in person and discuss more details. Ask each of them to show you a complete portfolio of a single wedding--this will give you a much clearer sense of what you can expect than a collection of choice shots from several different events. Pay attention to whether the photographer is adept at portraying individual expressions and personalities. Ideally, these meetings should include the bride and groom as well as the bride's parents since you will all be interacting with the photographer.
What Questions Should You Ask?
Be sure to write down all of your questions beforehand, and take thorough notes during the meetings. Although most professional photographers will provide you with a clear outline of their services and fees prior to your meeting, you will, in all likelihood, still have a large number of questions to ask. Remember, the more information you have, the more confident and relaxed you’ll feel on your special day. The following are some questions, courtesy of http://www.iqphoto.com, you may wish to consider asking:
•How will you show me pictures for selection (e.g., electronic, proofs, contact sheets, online gallery, etc.)?
•Will you help me choose the final pictures?
•How will you make it easy for friends and family to order reprints?
•What are the costs of the various levels of coverage?
•Are there different degrees of coverage?
•What is your photography style; photojournalistic, traditional, mixed, etc.?
•How much for the duplicate prints, albums, folios, enlargements, thank you cards, etc.?
•What’s your time frame for preparing the pictures for my selection?
•How about engagement session?
•How long do I have to make up my mind as to which pictures I want and how many?
•How long have you been in business?
•What kind of guarantee comes with my hiring you?
•What’s your philosophy for photographing weddings?
•Will you have an assistant?
•Do you have travel fees?
•How much is your overtime fee?
•What do you plan to do at my wedding to make my wedding photographs unique and personal to me?
•Do you have a backup?
•Will you be shooting my pictures personally?
•Will you use film or digital?
•What's your payment policy?
•Do you give any guarantees on your services and photographs?
•What is the possibility of the pictures fading?
How Much Will It Cost?
The following are some points, courtesy of http://www.elegala.com, that will help prepare you for what you might expect to pay for your wedding photography:
•Plan to allocate a significant portion of your wedding budget to ensure photographs are perfect. Expect to spend at least $1000 on a professional wedding photographer to document your event. Albums and prints are usually extra. Other extras that may increase your bottom line include additional hours, additional photographers, custom albums etc. etc. Add on too many extras – and your photography budget could quickly creep to $5000 and beyond!
•Cut the extras and purchase a basic wedding photography package from a skilled photographer. By paying for the photographer’s expertise only, you will ensure great images – and you’ll buy yourself some time to save up for the custom album and prints after the wedding.
•Get the proofs! To that end, try to find a photographer who will let you keep the proofs. Many photographers consider themselves to be photographers only - artists not in the business of selling photographs. After the big day, they’ll hand over your proofs and be on their way. They’re yours to keep – you can print them in any manner you please or save them for printing after you’ve saved up some cash.
•Enter the digital age with digital photography. It’s less costly than film, and with technological advances in equipment – digital images are no longer a sacrifice in quality. Many photographers have taken the digital plunge – which results in savings for you!
•Cut the timeline…the longer your event, the more it will cost to document it. Since photographers often charge based on the number of hours they will spend at your wedding, a shorter/smaller wedding celebration will yield big savings in your photography budget.
Making a Commitment
At this point, you should have a relatively clear idea of which photographer is best suited to capture your wedding day memories. Once you have made a decision, be prepared to leave a deposit to reserve the date. You may still wish to reassure yourself by asking about a few final details. For example, find out what the photographer's policy for wedding-date changes is and what the alternatives are if he or she is not available on the backup date. Also, ask about their policy for an unexpected cancellation. If you feel the photographer is right for you, then relax and make the commitment with the confidence that you’ve made a well-formed, intelligent decision in planning the most important day of your life.
Tuesday, April 10, 2012
Capture Life in Colours with Canvas Prints
Can you imagine, just for a second, how dull we could feel, if our eyes perceived everything in black and white. Colors have great effect on us as well as beautiful, life music and nice smell. It is very important to choose the right color combination to achieve its magical effect. Various experiments have been conducted in this regard and it has been proven that a person can lose the sense of time, experience a burst or loss of energy, as well as lose track of things around him.
Nowadays canvas prints have become very popular to all the ages. They can easily transform an ordinary photo into a real masterpiece, which has a beautiful nature texture visible to the eye. This masterful artistic effect can only be achieved with canvas. You can commemorate dear events, views, places and bright outlines of your past captured onto canvas prints to relive them later in future. Canvassing pictures of old times which is known as vintage style art, can be preserved for ages. Thanks to various software which is used to modify the image the process of canvassing allows us to change and alter the initial photos making them looking really funny and weird and making you smile whenever you see it.
Canvas prints can be used for wall arts as well and any good canvas printer can offer you the following options: 5 Panel Sets, 3 Panel Sets, Acrylic Art, Abstract Prints, Floral Flair Paint, Pop Art Prints and Emotive Scene Prints.
Nowadays canvas prints have become very popular to all the ages. They can easily transform an ordinary photo into a real masterpiece, which has a beautiful nature texture visible to the eye. This masterful artistic effect can only be achieved with canvas. You can commemorate dear events, views, places and bright outlines of your past captured onto canvas prints to relive them later in future. Canvassing pictures of old times which is known as vintage style art, can be preserved for ages. Thanks to various software which is used to modify the image the process of canvassing allows us to change and alter the initial photos making them looking really funny and weird and making you smile whenever you see it.
Canvas prints can be used for wall arts as well and any good canvas printer can offer you the following options: 5 Panel Sets, 3 Panel Sets, Acrylic Art, Abstract Prints, Floral Flair Paint, Pop Art Prints and Emotive Scene Prints.
Best gifts
If you really want to give an unusual but interesting gift, canvas print would be a good idea. And no matter where you go, to an anniversary, birthdays, weddings, the right canvas print could be the most extraordinary and remarkable gift for various occasions. Pictures of celebrities can be canvassed into the gifts for their fans, the bride and groom captured together onto canvas, pictures of ancestors looking back at you onto canvas might give their descendants flash back feelings of their family history, people who adore their pets, like dogs, cats, birds can get a canvas print of their pets. And there can be no doubt about that you will realize the true joy of gift-giving.Thanks to digital technology
Thanks to digital technology and magnificent colour combinations you can obtain canvas prints of any enhancement and they can be in grayscale, the printed pictures would be in black and white, Sepia Effects make the printed picture becomes brownish, giving it an authentic look., Pop arts effect as well as any edge type such as Black Edges, Photo Wrap, White Edges and Grey Edges etc. It is also possible to enlarge your photograph on canvas in any size you want from 12x18” to 48x60”.Services, services, services and how to deal with them
It is very easy to get a custom canvas art via the internet; you can find a great deal of such companies which offer you their services. Among them you can find cheap canvas printing services as well as those who offer their services at a higher price but higher quality is also guaranteed in such cases. And it is up to you to decide which one is suitable for you. However, you must make sure and verify that the company you are going to deal with is legal and not a soap bubble. You can verify the legality of these companies; just look them up in local chamber of commerce. These companies offer you a “customer sales satisfaction guarantee” and “money back guarantee” in the event of receiving the canvas prints not according to the agreement.Black And White Digital Photography
There are several ways to achieve black and white digital photography. With black and white digital photography, you are bringing the end user back into a period of time when life seemed a lot simpler. Many digital cameras come equipped with a function to take these types of photos. If your digital camera does not support this function, you can still change your photographs into black and white with software programs.
You’ll want your black and white digital photography to look its best when you are finished. A technique that can help you get the best image out of your digital photograph is through image manipulation. You may find it better to convert your eight-bit color images (which are usually jpegs) into 16-bit colors first. This is important because an 8-bit RGB can be the same as a 10-bit grayscale.
You can find information all over on the Internet to help you with your black and white digital photography. These resources can be found in everything from websites to magazines. Colored pictures can look truly beautiful as a black and white display. You will usually have to convert your graphics, because although there are options with digital cameras, there are no true black and white digital cameras.
Correct the Colorcasts
An important part of black and white digital photography is correcting the colorcasts. These are caused by bad lighting, but you can use software such as PhotoShop Elements to make the relevant changes by using their editing applications. The Imaging Factory is also software that can help you to easily convert and fix lighting areas in your graphics to get the best look with your black and white digital photography. If you want to turn your graphics into black and white digital photography, you can step into a completely new dimension in photography. You can do an endless array of projects right from your own computer.
You’ll want your black and white digital photography to look its best when you are finished. A technique that can help you get the best image out of your digital photograph is through image manipulation. You may find it better to convert your eight-bit color images (which are usually jpegs) into 16-bit colors first. This is important because an 8-bit RGB can be the same as a 10-bit grayscale.
You can find information all over on the Internet to help you with your black and white digital photography. These resources can be found in everything from websites to magazines. Colored pictures can look truly beautiful as a black and white display. You will usually have to convert your graphics, because although there are options with digital cameras, there are no true black and white digital cameras.
Correct the Colorcasts
An important part of black and white digital photography is correcting the colorcasts. These are caused by bad lighting, but you can use software such as PhotoShop Elements to make the relevant changes by using their editing applications. The Imaging Factory is also software that can help you to easily convert and fix lighting areas in your graphics to get the best look with your black and white digital photography. If you want to turn your graphics into black and white digital photography, you can step into a completely new dimension in photography. You can do an endless array of projects right from your own computer.
Adobe Toolbox Photoshop 7 Tutorials
You’ve probably been hanging out to get stuck into the very nifty Photoshop toolbox. In this article I’ll introduce some of the most frequently used tools found in the toolbox.
You’ll notice that some of the tool icons have small black triangles in their bottom right-hand corners. These icons contain hidden treasures! The triangle indicates that there are more related tools available; if you click on the tool icon and hold it down, a “flyout” menu will appear, displaying the additional tools.
Selection Tools:
You can use the selection tools to select certain areas of your document for editing. If you use a selection tool, only the area that’s selected will be affected by any changes you make. You can “feather” selections (specify a fuzzy radius for them) using the Feather field in the options bar.
Marquee tools (M) are used to create rectangular or elliptical selections, including selections that are “single row” (one pixel tall, stretching across the entire width of the document) and “single column” (one pixel wide, tretching through the entire height of the document).
To make single-row or single-column selections, click with the appropriate tool on the image area where you want to select a row or column. You can use the Lasso tools (L) to create freeform selections.
The Lasso Tool comes in three different forms:
Lasso Tool (L) Click and drag the Lasso Tool to draw a selection area. Releasing the mouse button will close the selection by joining the start and end points with a straight line.
Polygonal Lasso Tool (L) Click at different points to create vertices of a polygonal shape. Close the selection by moving your cursor to the beginning and clicking once, or pressing the Enter key.
Magnetic Lasso Tool (L) If you think you need help with making your selection, try the Magnetic Lasso Tool. Photoshop will attempt to make a “smart” selection by following the edges of contrast and color difference. Click once near the “edge” of an object and follow around it—Photoshop will automatically lay down a path.
You can also click as you follow the line to force points to be created on the path. Close the selection by pressing the Enter key or clicking at a point near the beginning of the selection. The Magnetic Lasso Tool is not available in ImageRead.
You’ll notice that some of the tool icons have small black triangles in their bottom right-hand corners. These icons contain hidden treasures! The triangle indicates that there are more related tools available; if you click on the tool icon and hold it down, a “flyout” menu will appear, displaying the additional tools.
Selection Tools:
You can use the selection tools to select certain areas of your document for editing. If you use a selection tool, only the area that’s selected will be affected by any changes you make. You can “feather” selections (specify a fuzzy radius for them) using the Feather field in the options bar.
Marquee tools (M) are used to create rectangular or elliptical selections, including selections that are “single row” (one pixel tall, stretching across the entire width of the document) and “single column” (one pixel wide, tretching through the entire height of the document).
To make single-row or single-column selections, click with the appropriate tool on the image area where you want to select a row or column. You can use the Lasso tools (L) to create freeform selections.
The Lasso Tool comes in three different forms:
Lasso Tool (L) Click and drag the Lasso Tool to draw a selection area. Releasing the mouse button will close the selection by joining the start and end points with a straight line.
Polygonal Lasso Tool (L) Click at different points to create vertices of a polygonal shape. Close the selection by moving your cursor to the beginning and clicking once, or pressing the Enter key.
Magnetic Lasso Tool (L) If you think you need help with making your selection, try the Magnetic Lasso Tool. Photoshop will attempt to make a “smart” selection by following the edges of contrast and color difference. Click once near the “edge” of an object and follow around it—Photoshop will automatically lay down a path.
You can also click as you follow the line to force points to be created on the path. Close the selection by pressing the Enter key or clicking at a point near the beginning of the selection. The Magnetic Lasso Tool is not available in ImageRead.
Sunday, April 8, 2012
A Few Cool Photoshop Tips And Tricks
Photoshop is a powerful piece of software with plenty of cool tricks you can apply.
What Can You Do With Advanced Photoshop Tips and Tricks?
Advanced Photoshop users are often familiar with all tools and have mastered most of the fundamental tutorials, tips, and tricks, such as creating a cloudy background. Some people are unaware of all of the cool tricks that Photoshop has to offer, especially when you’ve upgraded your version to CS. The power to create some of the most impressive works of digital art are only a few clicks away once you get a hang of advanced Photoshop shortcuts and tricks.
Some Photoshop tricks on the advanced level can help a more tedious project seem easier. The more you learn the tips and tricks of the trade, the better your overall creations will turn out. To get an idea of some of the advanced tricks associated with Photoshop, a few examples are mentioned below:
Photoshop allows advanced users to create digital comic coloring that looks just like the human hand penned it. The tricks and tips associated with this sort of higher-level design deals with the manipulation of various brush sets to achieve the look you desire. Photoshop also lets users create photomontages that can transform an original photograph into something much different.
There are also tips and tricks that can take your most unfavorite picture and alter it in any way you wish. Let’s say you want to change a regular photograph into something dazzling. Advanced Photoshop tricks can beautify a face that displays a natural appearance. In regards to a photo, skin can be fixed, blemishes and wrinkles erased, teeth fixed and whitened, as well as changes made to the eyebrows, hair, and eyes.
When one is able to master advanced Photoshop techniques, the creative possibilities seem never-ending, including 3D glass balls, planet and star-studded skies, matte paintings, and airbrushed illustrations.
What Can You Do With Advanced Photoshop Tips and Tricks?
Advanced Photoshop users are often familiar with all tools and have mastered most of the fundamental tutorials, tips, and tricks, such as creating a cloudy background. Some people are unaware of all of the cool tricks that Photoshop has to offer, especially when you’ve upgraded your version to CS. The power to create some of the most impressive works of digital art are only a few clicks away once you get a hang of advanced Photoshop shortcuts and tricks.
Some Photoshop tricks on the advanced level can help a more tedious project seem easier. The more you learn the tips and tricks of the trade, the better your overall creations will turn out. To get an idea of some of the advanced tricks associated with Photoshop, a few examples are mentioned below:
Photoshop allows advanced users to create digital comic coloring that looks just like the human hand penned it. The tricks and tips associated with this sort of higher-level design deals with the manipulation of various brush sets to achieve the look you desire. Photoshop also lets users create photomontages that can transform an original photograph into something much different.
There are also tips and tricks that can take your most unfavorite picture and alter it in any way you wish. Let’s say you want to change a regular photograph into something dazzling. Advanced Photoshop tricks can beautify a face that displays a natural appearance. In regards to a photo, skin can be fixed, blemishes and wrinkles erased, teeth fixed and whitened, as well as changes made to the eyebrows, hair, and eyes.
When one is able to master advanced Photoshop techniques, the creative possibilities seem never-ending, including 3D glass balls, planet and star-studded skies, matte paintings, and airbrushed illustrations.
10 Tips In Better Photography
Taking a good photo isn’t as hard as you may think. You don’t need the most expensive camera or years of experience, just 10 simple tips.
Enjoy!
Tip 1 - Use All Your Available Space
Don't be afraid to use all the space in your photo. If you want to take a picture of something, it's ok for it to take up the whole shot with no or very little background showing. Keep distractions out of your shot
Tip 2 - Study Forms
This is a vital aspect to photography. Understanding forms in your photos. Don't see an object, she its shape and its form and find the best angle to photograph it from. Form is all around us and I highly suggest you read as many books on it as possible.
Tip 3 - Motion In Your Photos
Never have motion in your photos if you are photographing a still object. If there is something moving while you are trying to photograph a stationery object, your photo won't turn out anywhere near as well. Also never put a horizon line in the center of your frame.
Tip 4 - Learn To Use Contrasts Between Colors.
Some of the best photos have shades of white, gray and black. You can take great shots with just one color on your subject, but the contrasts between colors in a shot is what makes you a great photographer.
Tip 5 - Get Closer To Your Subject
This is one of the biggest mistakes most photographers make, not getting close enough to their subject. Get up and personal and close the distance gap. You can always reshape and resize a good shot but you can't continue to blowup a distant object.
Tip 6 - Shutter Lag
Shooting action shots with digital camera's can be tricky due to shutter lags. What this means is, when you press the button to take the photo, it can take up to a second for the shutter to take a photo, by that time what you were photographing would have moved or changed somehow. This means you have to compensate for shutter lag by predicting what your subject is going to do and taking the photo just before it takes the action you want. More expensive digital cameras don't have this problem.
Tip 7 - Pan
If you are taking an action shot and your shutter speed is slow, pan with the object. Follow through with the subject, from start to finish and one of those shots will be a winner. You have more chance of getting a good shot if you take more then one photo.
Tip 8 - Continuous Shots
To pan like I suggested above you will need a camera that does continuous shots and doesn’t need to stop and process after every shot.
Tip 9 - How To Take Fantastic Night Time Shots
Night time shots can be spectacular, almost magical.... if done right! If not they can look horrible. Really horrible. Without adequate lighting, even good camera's can turn out crappy photos if the photographer doesn't know what he or she is doing.
Tip 10 - Study Your Manual
If your digital camera has a special night time mode, read the manual and follow their instructions on how to use it properly.
Enjoy!
Tip 1 - Use All Your Available Space
Don't be afraid to use all the space in your photo. If you want to take a picture of something, it's ok for it to take up the whole shot with no or very little background showing. Keep distractions out of your shot
Tip 2 - Study Forms
This is a vital aspect to photography. Understanding forms in your photos. Don't see an object, she its shape and its form and find the best angle to photograph it from. Form is all around us and I highly suggest you read as many books on it as possible.
Tip 3 - Motion In Your Photos
Never have motion in your photos if you are photographing a still object. If there is something moving while you are trying to photograph a stationery object, your photo won't turn out anywhere near as well. Also never put a horizon line in the center of your frame.
Tip 4 - Learn To Use Contrasts Between Colors.
Some of the best photos have shades of white, gray and black. You can take great shots with just one color on your subject, but the contrasts between colors in a shot is what makes you a great photographer.
Tip 5 - Get Closer To Your Subject
This is one of the biggest mistakes most photographers make, not getting close enough to their subject. Get up and personal and close the distance gap. You can always reshape and resize a good shot but you can't continue to blowup a distant object.
Tip 6 - Shutter Lag
Shooting action shots with digital camera's can be tricky due to shutter lags. What this means is, when you press the button to take the photo, it can take up to a second for the shutter to take a photo, by that time what you were photographing would have moved or changed somehow. This means you have to compensate for shutter lag by predicting what your subject is going to do and taking the photo just before it takes the action you want. More expensive digital cameras don't have this problem.
Tip 7 - Pan
If you are taking an action shot and your shutter speed is slow, pan with the object. Follow through with the subject, from start to finish and one of those shots will be a winner. You have more chance of getting a good shot if you take more then one photo.
Tip 8 - Continuous Shots
To pan like I suggested above you will need a camera that does continuous shots and doesn’t need to stop and process after every shot.
Tip 9 - How To Take Fantastic Night Time Shots
Night time shots can be spectacular, almost magical.... if done right! If not they can look horrible. Really horrible. Without adequate lighting, even good camera's can turn out crappy photos if the photographer doesn't know what he or she is doing.
Tip 10 - Study Your Manual
If your digital camera has a special night time mode, read the manual and follow their instructions on how to use it properly.
How Many Mega-Pixels Do I Need?
One of the confusing things in choosing a digital camera is deciding how many mega-pixels you should look for. The answer depends on what you plan on doing with the finished pictures.
First, you need to understand what a pixel is. In terms of digital prints, a pixel simply means a dot of color that makes up the image. A mega-pixel is equal to one million pixels. The more mega-pixels a camera has, the greater the amount of information it records.
The easiest way to decide what to look for is to know what size prints you are likely to print from your camera. A one mega-pixel camera is fine for those who don’t plan on printing photos but rather just post them on the internet. A small print, say 4 x 6, will print acceptably from this camera.
A 2 mega-pixel camera will enable you to produce good quality 5 x 7 prints and fair quality 8 x 10 prints. When you reach 4 mega-pixels you can print out excellent quality 8 x 10 prints and acceptable 11 x 17 prints and a 5 mega pixel camera will allow you to print out high quality 11 x 17 prints.
Most families find a camera in the 3.2 Mega-pixel range to be the best choice. The quality of both 5 x & and 8 X 10 prints is very good yet the files on your computer are not so large you need worry about not having enough space.
Any camera over 5 mega-pixels is unnecessary for all but professionals in photography; even then, only those who have need for poster-size prints find that many mega-pixels worth the money. Most freelance photographers find 4 or 5 mega-pixels to be sufficient for excellent-quality prints.
The choice is yours. Look to what you plan on doing with your photos and then decide. In most cases spending the money for increased optical zoom and lower mega-pixels is the best choice.
First, you need to understand what a pixel is. In terms of digital prints, a pixel simply means a dot of color that makes up the image. A mega-pixel is equal to one million pixels. The more mega-pixels a camera has, the greater the amount of information it records.
The easiest way to decide what to look for is to know what size prints you are likely to print from your camera. A one mega-pixel camera is fine for those who don’t plan on printing photos but rather just post them on the internet. A small print, say 4 x 6, will print acceptably from this camera.
A 2 mega-pixel camera will enable you to produce good quality 5 x 7 prints and fair quality 8 x 10 prints. When you reach 4 mega-pixels you can print out excellent quality 8 x 10 prints and acceptable 11 x 17 prints and a 5 mega pixel camera will allow you to print out high quality 11 x 17 prints.
Most families find a camera in the 3.2 Mega-pixel range to be the best choice. The quality of both 5 x & and 8 X 10 prints is very good yet the files on your computer are not so large you need worry about not having enough space.
Any camera over 5 mega-pixels is unnecessary for all but professionals in photography; even then, only those who have need for poster-size prints find that many mega-pixels worth the money. Most freelance photographers find 4 or 5 mega-pixels to be sufficient for excellent-quality prints.
The choice is yours. Look to what you plan on doing with your photos and then decide. In most cases spending the money for increased optical zoom and lower mega-pixels is the best choice.
CANON DIGITAL CAMERA: EXPRESS, SHOOT AND SHARE
Canon is well known across the country as an imaging equipment and information systems. Their many products include copiers, printers, lenses, camcorders, semiconductors among others, and of course Canon digital cameras.
The latest high end canon digital camera is the PowerShot S2 IS. This is a 5.0 mega pixel Canon digital camera that features a 12x optical zoom and a 4x digital zoom. This baby is furnished with Optical Image Stabilizer (that is what the IS in S2 IS stands for) that eliminates camera shakes for people who have shaky hands or for taking camera shots. The UD lens found in this canon digital camera provide amazing color accuracy throughout the whole zoom area.
As with many digital cameras nowadays, this certain canon digital camera can record moving pictures. Now with another first, the S2 allows you to record moving pictures, and there no use for missing a perfect image incorporated with that moving picture. With the Movie Snap feature, just snap away when you see that perfect image, and it will be saved in your canon digital camera along with the recorded video.
This canon digital camera is also equipped with the DIGIC II Image processor that is designed to increase processing speed and image quality. It instantly says that with the DIGIC II, your canon digital camera has faster start-up time, playback and auto focus while giving your images the absolute brilliance.
The S2 also support USB 2.0 Hi-speed standard, so you will always have the easiest time transferring your files to and from your computer. With the USB 2.0, you can take advantage of your super hi-speed SD card.
This canon digital camera is also supplied with a 1.8 inch LCD power saving and fold out screen that’s 115,000 pixel resolution. S2 shoots at 30 frames per second; this shooting rate can be reduced when taking pictures in night display, to give you the brightness that you need when taking pictures.
On the other hand, the latest point and shoot canon digital camera is the PowerShot SD500 and the PowerShot SD400.
The SD500 is the first 7.1 mega pixel canon digital camera that gives amazing images and absolutely to die for details. It has a 3x optical zoom that enables close up shooting with a 37-111mm equivalent with a 35mm film camera. This is one of the new perpetual curve design for a canon digital camera that fits the hands perfectly.
Sporting a very slim design, you would marvel at its 2.0 inch LCD that gives easier frame and play back use.
This baby is also equipped with the same DIGIC II Image Processor found in canon digital cameras that gives you amazing features. Also USB 2.0 compatible and works with the same high-speed SD card.
Even better than most digital cameras out there, this gadget can shoot moving images to up to 60 frames per second- perfect for moving objects (especially in sports) and a 30 frames per second for shooting still images. Furnished with scene modes like portrait (blurs the background and focuses on your subject), foliage (perfect for foliage, greenery or blossoms), beach (sunny shots without the dark faces), underwater (reduced background scatter. Tip: you can always buy waterproof case for shooting underwater images), fireworks, night snapshot, kids and pets, indoor, snow and digital macro (larger than life images).
This canon digital camera even enables you to customize and correct as you shoot. With modes like lightening skin tones, positive film, darker skin tones and others, you can never go wrong with using a canon digital camera.
These are just some of the many features of the SD500. There are more to the SD500 that has yet to be discussed. Check canon’s website at www.usa.canon.com <http://www.usa.canon.com> for a full profile of the SD500 and to other latest releases and products.
The latest high end canon digital camera is the PowerShot S2 IS. This is a 5.0 mega pixel Canon digital camera that features a 12x optical zoom and a 4x digital zoom. This baby is furnished with Optical Image Stabilizer (that is what the IS in S2 IS stands for) that eliminates camera shakes for people who have shaky hands or for taking camera shots. The UD lens found in this canon digital camera provide amazing color accuracy throughout the whole zoom area.
As with many digital cameras nowadays, this certain canon digital camera can record moving pictures. Now with another first, the S2 allows you to record moving pictures, and there no use for missing a perfect image incorporated with that moving picture. With the Movie Snap feature, just snap away when you see that perfect image, and it will be saved in your canon digital camera along with the recorded video.
This canon digital camera is also equipped with the DIGIC II Image processor that is designed to increase processing speed and image quality. It instantly says that with the DIGIC II, your canon digital camera has faster start-up time, playback and auto focus while giving your images the absolute brilliance.
The S2 also support USB 2.0 Hi-speed standard, so you will always have the easiest time transferring your files to and from your computer. With the USB 2.0, you can take advantage of your super hi-speed SD card.
This canon digital camera is also supplied with a 1.8 inch LCD power saving and fold out screen that’s 115,000 pixel resolution. S2 shoots at 30 frames per second; this shooting rate can be reduced when taking pictures in night display, to give you the brightness that you need when taking pictures.
On the other hand, the latest point and shoot canon digital camera is the PowerShot SD500 and the PowerShot SD400.
The SD500 is the first 7.1 mega pixel canon digital camera that gives amazing images and absolutely to die for details. It has a 3x optical zoom that enables close up shooting with a 37-111mm equivalent with a 35mm film camera. This is one of the new perpetual curve design for a canon digital camera that fits the hands perfectly.
Sporting a very slim design, you would marvel at its 2.0 inch LCD that gives easier frame and play back use.
This baby is also equipped with the same DIGIC II Image Processor found in canon digital cameras that gives you amazing features. Also USB 2.0 compatible and works with the same high-speed SD card.
Even better than most digital cameras out there, this gadget can shoot moving images to up to 60 frames per second- perfect for moving objects (especially in sports) and a 30 frames per second for shooting still images. Furnished with scene modes like portrait (blurs the background and focuses on your subject), foliage (perfect for foliage, greenery or blossoms), beach (sunny shots without the dark faces), underwater (reduced background scatter. Tip: you can always buy waterproof case for shooting underwater images), fireworks, night snapshot, kids and pets, indoor, snow and digital macro (larger than life images).
This canon digital camera even enables you to customize and correct as you shoot. With modes like lightening skin tones, positive film, darker skin tones and others, you can never go wrong with using a canon digital camera.
These are just some of the many features of the SD500. There are more to the SD500 that has yet to be discussed. Check canon’s website at www.usa.canon.com <http://www.usa.canon.com> for a full profile of the SD500 and to other latest releases and products.
Adobe Photoshop Brushes Techniques
Brushes are the core component of many tools in the toolbox, and confident brush handling is essential for the effective application of these. You need to master brushes because this gives you many ways in which you can use and edit brushes will equip you with a whole new set of skills, and give you access to a wide range of powerful and creative time-saving techniques.
The Brush Preset picker will help you to find the right brush fast so make the most of it
With some Photoshop tools, such as the Clone Stamp, the Brush Preset picker is used simply to edit the tool’s brush size, softness and opacity.
Because the Clone Stamp’s function is to subtly replace one area of pixels with another, you don’t need its brush tip to be shaped like a rubber duck, for example!
However you can use the Brush Preset picker to arm yourself with a variety of creatively-shaped brushes, should your project require them. Working smarter with the Brush Preset picker means maximising its potential. If you’re not already familiar with this interface.
The Brush Preset Picker
Click on the Brustic to open the Brush Preset picker, and scroll down to see the default set of brushes.
Towards the foot of the list of default brushes you’ll find a variety of unusually-shaped brush tips, including brushes shaped like stars and blobs.
Click on the picker’s menu icon to access other, specialised sets of brushes. You can use the picker’s menu to display a thumbnail of the brush stroke, or set it to show the brush tip and name.
The numerical value indicates the brush’s initial diameter in pixels. You can customise this to suit your requirements. When you select a new set of brushes, you can either replace the existing default set or append the new set to it so you can use both.
The Brush Preset picker will help you to find the right brush fast so make the most of it
With some Photoshop tools, such as the Clone Stamp, the Brush Preset picker is used simply to edit the tool’s brush size, softness and opacity.
Because the Clone Stamp’s function is to subtly replace one area of pixels with another, you don’t need its brush tip to be shaped like a rubber duck, for example!
However you can use the Brush Preset picker to arm yourself with a variety of creatively-shaped brushes, should your project require them. Working smarter with the Brush Preset picker means maximising its potential. If you’re not already familiar with this interface.
The Brush Preset Picker
Click on the Brustic to open the Brush Preset picker, and scroll down to see the default set of brushes.
Towards the foot of the list of default brushes you’ll find a variety of unusually-shaped brush tips, including brushes shaped like stars and blobs.
Click on the picker’s menu icon to access other, specialised sets of brushes. You can use the picker’s menu to display a thumbnail of the brush stroke, or set it to show the brush tip and name.
The numerical value indicates the brush’s initial diameter in pixels. You can customise this to suit your requirements. When you select a new set of brushes, you can either replace the existing default set or append the new set to it so you can use both.
Monday, April 2, 2012
Luxury Cars and Resale Values
When it comes to ultra-luxury, high-end vehicle leasing, there is no doubt that the best deals are those cars that hold their value. With this in mind, we single out a few truths about residual values that consistently apply to high-end leasing.
The most determining factor when it comes to resale values is public perception of the brand, not its reliability ratings in quality surveys. Take the Jaguar for example: it is consistently rated as a quality car, but because of questionable reliability perception among the public, it takes a sharp dip in value at the end of its lease-term
Higher-tech options and other cutting-edge features do not necessarily mean the car will fare better. By the time your car is two years old, better and cheaper systems will render the laser-guided cruise control, navigation systems and built-in cell phone obsolete. Look for functional features, such as automatic transmissions, power windows and wheel-drive to enhance the vehicle’s value in the used-car market.
Used-car buyers view less favorably luxury vehicles that come with big incentives. These are perceived as questionable in quality and reliability.
The most determining factor when it comes to resale values is public perception of the brand, not its reliability ratings in quality surveys. Take the Jaguar for example: it is consistently rated as a quality car, but because of questionable reliability perception among the public, it takes a sharp dip in value at the end of its lease-term
Higher-tech options and other cutting-edge features do not necessarily mean the car will fare better. By the time your car is two years old, better and cheaper systems will render the laser-guided cruise control, navigation systems and built-in cell phone obsolete. Look for functional features, such as automatic transmissions, power windows and wheel-drive to enhance the vehicle’s value in the used-car market.
Used-car buyers view less favorably luxury vehicles that come with big incentives. These are perceived as questionable in quality and reliability.
Leasing used cars explained
Leasing a used vehicle can be an attractive deal in many ways, no least getting you into that luxury model or SUV, for lower monthly payments than a brand new one. Be prepared, however, to do some more homework to dissect a good deal.
As with new car-leasing, your price research should focus on the key figures that are the initial market value and the estimated residual value of the used car. This is harder to predict since there is no factory-set sticker price on used cars, and the residual percentage is very much pegged to a subjective current retail value. Use different sources to get a rough
idea of the value of the used car: your local dealerships, internet car-evaluating tools, such as Edmunds.com and Cars.com, to name but a few.
Another way to pin down a good estimate is to compare the lease on your given car to a lease on a new-car with the same make and model. This should give you a better picture of the difference between leasing new and going for used. Just like leasing a new car, used vehicle leasing is more attractive when residual values depreciate the least. You stand a better chance of finding a bargain in the high-end, luxury vehicles that keep their values better as used cars.
Next, you need to check the initial mileage and the overall vehicle condition. The maximum mileage on a used car should be no more than 12,000 miles a year. A 3-years old car with 50,000 miles on the clock is very unlikely to make a good used-vehicle lease. Check for signs of excessive use, like worn seat fabric, worn pedal pads and dirty engine, which might indicate that the odometer has been rolled back. If the car is not certified, you need to get it thoroughly inspected. Ask your dealer for a manufacturer-sponsored certification program or have your car certified by a qualified mechanic or inspection service.
Most used-car deals don’t come with gap coverage. This is a special type of coverage, normally offered on a new auto-lease, to cover the consumer if the leased vehicle is lost, stolen or damaged. Typically, auto-insurance policies cover only what your car is worth at the time of loss, not what you still owe on the lease. The difference could run into thousands of dollars. For peace of mind, do not enter into any used-car lease without gap-coverage. Arrange it separately with either the lease dealer or your auto-insurance company.
As with new car-leasing, your price research should focus on the key figures that are the initial market value and the estimated residual value of the used car. This is harder to predict since there is no factory-set sticker price on used cars, and the residual percentage is very much pegged to a subjective current retail value. Use different sources to get a rough
idea of the value of the used car: your local dealerships, internet car-evaluating tools, such as Edmunds.com and Cars.com, to name but a few.
Another way to pin down a good estimate is to compare the lease on your given car to a lease on a new-car with the same make and model. This should give you a better picture of the difference between leasing new and going for used. Just like leasing a new car, used vehicle leasing is more attractive when residual values depreciate the least. You stand a better chance of finding a bargain in the high-end, luxury vehicles that keep their values better as used cars.
Next, you need to check the initial mileage and the overall vehicle condition. The maximum mileage on a used car should be no more than 12,000 miles a year. A 3-years old car with 50,000 miles on the clock is very unlikely to make a good used-vehicle lease. Check for signs of excessive use, like worn seat fabric, worn pedal pads and dirty engine, which might indicate that the odometer has been rolled back. If the car is not certified, you need to get it thoroughly inspected. Ask your dealer for a manufacturer-sponsored certification program or have your car certified by a qualified mechanic or inspection service.
Most used-car deals don’t come with gap coverage. This is a special type of coverage, normally offered on a new auto-lease, to cover the consumer if the leased vehicle is lost, stolen or damaged. Typically, auto-insurance policies cover only what your car is worth at the time of loss, not what you still owe on the lease. The difference could run into thousands of dollars. For peace of mind, do not enter into any used-car lease without gap-coverage. Arrange it separately with either the lease dealer or your auto-insurance company.
Lease Financing
For auto-consumers, crunching the numbers is one of the most difficult and confusing aspects of leasing.Take the finance charge on a lease for instance. Most people just don’t understand how this is calculated on capitalised cost AND residual value instead of just the capitalised cost. For most, it seems plainly obvious, just as is the case when purchasing, that a charge should be levied on the capitalised cost of the vehicle.
Well, no quite! When you lease a car, you’re only using the car over a specified period of time with the option of buying the car. The residual value represents the “loan balance” at the end of the lease. If you add it to the capitalized cost and divide by two, you’ll get the average capitalized cost outstanding over the lease term. Let us suppose you’re leasing a car with a capitalized cost of $25,000 and a residual value of $15,000. You average balance over the lease term, irrespective of how long it is, is $20,000 – the sum of the two divided by two -.
Using this sum works because the money factor is the annual interest rate devided by 24, rather than 12. Continuing with our example and assuming an interest rate of 6% APR:
$30,000 X (6 per cent / 24) = $75
(Capitalized cost + residual value) X (interest rate / 24) = Monthly finance charge
This finance charge is added to the depreciation charge to calculate the monthly payments on your lease.
Well, no quite! When you lease a car, you’re only using the car over a specified period of time with the option of buying the car. The residual value represents the “loan balance” at the end of the lease. If you add it to the capitalized cost and divide by two, you’ll get the average capitalized cost outstanding over the lease term. Let us suppose you’re leasing a car with a capitalized cost of $25,000 and a residual value of $15,000. You average balance over the lease term, irrespective of how long it is, is $20,000 – the sum of the two divided by two -.
Using this sum works because the money factor is the annual interest rate devided by 24, rather than 12. Continuing with our example and assuming an interest rate of 6% APR:
$30,000 X (6 per cent / 24) = $75
(Capitalized cost + residual value) X (interest rate / 24) = Monthly finance charge
This finance charge is added to the depreciation charge to calculate the monthly payments on your lease.
How to spot a good car lease
Leasing has been lauded as your cheapest ticket to keep up with the industry’s hottest vehicles and trends. The jury, however, is still out on leasing: with the industry long on hype and short on detail, it is difficult to distinguish between a genuinely good deal and a downright up-selling exercise.
So how do you spot a good deal?
First, you need to find out if there are any down payments on the lease. A down payment refers to the lump sum amount that you pay upfront, either in cash, non-cash credit or trading allowance, to reduce your monthly payment. You should think twice before putting money down on a lease: not only are you getting a rough deal, as you’re essentially forfeiting the general rule of leasing: not putting any cash upfront, but the money is not recoupable at the end of your lease. There is another big disadvantage: in the event of your car getting damaged or stolen, you insurance and the gap cost will not cover the loss.
Mileage Limit
Most leasing companies allow you a limit of 45,000 free miles over the length of a 3-year lease. This may seem like a good deal at first sight, but when you consider it only comes to 15,000 miles over a 12 month period it’s not difficult to foresee why it might be difficult to stay within this limit. Even people working from home have little trouble putting 15,000 miles on their cars.
If you exceed the mileage limit, the penalty for each excess mile can be as high as 20 cents. This can add up quickly over the length of your lease: an additional 4,000 miles a year over the length of a 3-years lease contract, will end up costing you an extra $2,400 in excess mileage charges! Be realistic about your mileage needs, especially if you have to regularly commute over long-distances, before you sign the contract. Consider padding the miles that you expect to use since it is less expensive to contract for the extra before you sign than it is to pay the extra charges at end of your lease.
Sales Tax
Sales tax is usually capitalized and added to the monthly payments. However, some dealers choose not to include it in their calculations to drive the advertised lease payments even lower. What they do instead is state in the small print that the monthly payment excludes “sales tax”. Make sure you carefully read the fine print for any extra, hidden costs not included in the advertised monthly payment. Unscrupulous fees that typically slip through the cracks include sales tax, registration and title fees.
So how do you spot a good deal?
First, you need to find out if there are any down payments on the lease. A down payment refers to the lump sum amount that you pay upfront, either in cash, non-cash credit or trading allowance, to reduce your monthly payment. You should think twice before putting money down on a lease: not only are you getting a rough deal, as you’re essentially forfeiting the general rule of leasing: not putting any cash upfront, but the money is not recoupable at the end of your lease. There is another big disadvantage: in the event of your car getting damaged or stolen, you insurance and the gap cost will not cover the loss.
Mileage Limit
Most leasing companies allow you a limit of 45,000 free miles over the length of a 3-year lease. This may seem like a good deal at first sight, but when you consider it only comes to 15,000 miles over a 12 month period it’s not difficult to foresee why it might be difficult to stay within this limit. Even people working from home have little trouble putting 15,000 miles on their cars.
If you exceed the mileage limit, the penalty for each excess mile can be as high as 20 cents. This can add up quickly over the length of your lease: an additional 4,000 miles a year over the length of a 3-years lease contract, will end up costing you an extra $2,400 in excess mileage charges! Be realistic about your mileage needs, especially if you have to regularly commute over long-distances, before you sign the contract. Consider padding the miles that you expect to use since it is less expensive to contract for the extra before you sign than it is to pay the extra charges at end of your lease.
Sales Tax
Sales tax is usually capitalized and added to the monthly payments. However, some dealers choose not to include it in their calculations to drive the advertised lease payments even lower. What they do instead is state in the small print that the monthly payment excludes “sales tax”. Make sure you carefully read the fine print for any extra, hidden costs not included in the advertised monthly payment. Unscrupulous fees that typically slip through the cracks include sales tax, registration and title fees.
How to calculate your lease payment
Understanding how to calculate your monthly lease payment makes it easier for you to make an informed decision. Yet, most of us shy away from the “complicated” math on our lease contract, leaving it up to the dealer to do the payment formula. Actually, it’s not that difficult! Once you understand all the figures involved in calculating your monthly payments, everything else falls into place. These key figures are:
MSRP (short for Manufacturer’s Suggested Retail Price): This is the list price of the vehicle or the window sticker price. Money Factor: This determines the interest rate on your lease. Insist on your dealer to disclose this rate before entering into a lease.
Lease Term: The number of months the dealer rents the vehicle.
Residual Value: The value of the vehicle at the end of the lease. Again, you can get this figure from the dealer.
Now, let us calculate a sample lease payment based on a vehicle with an MSRP (sticker price) value of $25,000 and a money factor of 0.0034 (this is usually quoted as 3.4%). The scheduled-lease is over 3 years and the estimated residual percentage is 55%.
The first step is to calculate the residual value of the car. You multiply the MSRP by the residual percentage:
$20,000 X .55 = $11,000.
The car will be worth $13,750 at the end of the lease, so you'll be using:
$20,000 – $11,000 = $9,000
This amount of $9,000 will be used over a 36 month lease period giving us a monthly payment of:
$9,000 / 36 = $250.
This is the first part of the monthly payment, called the monthly depreciation charge.
The second part of the monthly payment, called the money factor payment, factors the interest charge. It is calculated by adding the MSRP figure to the residual value and multiplying this by the money factor:
($20,000 + $11,000) * 0.0034 = $105.4
Finally, we get the approximate monthly payment by adding the two figures together:
$250 + $105.4 = $355.4
To recapitulate, the sample formula looks like this:
1- Monthly Depreciation Charge:
MSRP X Depreciation Percentage = Residual Value
MSRP – Residual Value = Depreciation over lease term
Depreciation over lease term / lease term (number of months in the lease) = monthly depreciation charge
2- Monthly factor money charge
(MSRP + Residual value) X Money factor = money factor payment
3- Sample Monthly Payment:
depreciation charge + money factor payment = monthly payment
Keep in mind that this is a simplified calculation that does not take into account taxes, fees, rebates or any other incentives. The calculation gives you a ballpark figure or a rough idea of what your lease payments for the vehicle in question should be.
MSRP (short for Manufacturer’s Suggested Retail Price): This is the list price of the vehicle or the window sticker price. Money Factor: This determines the interest rate on your lease. Insist on your dealer to disclose this rate before entering into a lease.
Lease Term: The number of months the dealer rents the vehicle.
Residual Value: The value of the vehicle at the end of the lease. Again, you can get this figure from the dealer.
Now, let us calculate a sample lease payment based on a vehicle with an MSRP (sticker price) value of $25,000 and a money factor of 0.0034 (this is usually quoted as 3.4%). The scheduled-lease is over 3 years and the estimated residual percentage is 55%.
The first step is to calculate the residual value of the car. You multiply the MSRP by the residual percentage:
$20,000 X .55 = $11,000.
The car will be worth $13,750 at the end of the lease, so you'll be using:
$20,000 – $11,000 = $9,000
This amount of $9,000 will be used over a 36 month lease period giving us a monthly payment of:
$9,000 / 36 = $250.
This is the first part of the monthly payment, called the monthly depreciation charge.
The second part of the monthly payment, called the money factor payment, factors the interest charge. It is calculated by adding the MSRP figure to the residual value and multiplying this by the money factor:
($20,000 + $11,000) * 0.0034 = $105.4
Finally, we get the approximate monthly payment by adding the two figures together:
$250 + $105.4 = $355.4
To recapitulate, the sample formula looks like this:
1- Monthly Depreciation Charge:
MSRP X Depreciation Percentage = Residual Value
MSRP – Residual Value = Depreciation over lease term
Depreciation over lease term / lease term (number of months in the lease) = monthly depreciation charge
2- Monthly factor money charge
(MSRP + Residual value) X Money factor = money factor payment
3- Sample Monthly Payment:
depreciation charge + money factor payment = monthly payment
Keep in mind that this is a simplified calculation that does not take into account taxes, fees, rebates or any other incentives. The calculation gives you a ballpark figure or a rough idea of what your lease payments for the vehicle in question should be.
Go green and save on your lease
Hybrid vehicles’ popularity has sharply grown from a couple of thousands in early 2000 to close to 300, 000 by the end of 2005. The trend is rapidly catching with the auto-leasing industry with generous tax credits and incentives on offer if you go green.
Beginning in 2006, businesses and taxpayers who lease, or purchase, an environmentally-friendly and fuel-efficient vehicle will be eligible to claim federal income tax credits worth thousands of dollars. Individual states also offer generous incentives, including hybrid state tax credits, new High-Occupancy Vehicle (HOV) lanes access and discounted thruway tolls for alternative-fuelled vehicles. And that’s not all you can save from going green! You can now save on your parking fees at a number of universities and some auto-insurance companies are offering insurance discounts for hybrid-vehicle owners nationwide.
If you want to take advantage of these incentives and contribute to energy conservation then visit Hybrid Center.org and complete a personal profile about your driving needs and habits. You will get in-depth advice on hybrid models that would make economic sense to you and local, state and federal incentives available where you live.
Beginning in 2006, businesses and taxpayers who lease, or purchase, an environmentally-friendly and fuel-efficient vehicle will be eligible to claim federal income tax credits worth thousands of dollars. Individual states also offer generous incentives, including hybrid state tax credits, new High-Occupancy Vehicle (HOV) lanes access and discounted thruway tolls for alternative-fuelled vehicles. And that’s not all you can save from going green! You can now save on your parking fees at a number of universities and some auto-insurance companies are offering insurance discounts for hybrid-vehicle owners nationwide.
If you want to take advantage of these incentives and contribute to energy conservation then visit Hybrid Center.org and complete a personal profile about your driving needs and habits. You will get in-depth advice on hybrid models that would make economic sense to you and local, state and federal incentives available where you live.
Buy or Lease?
It’s the classic dilemma that faces every auto-consumer out there: Pay cash upfront or forego the ownership and pay monthly settlements instead? Buy or lease for a new set of wheels? As is the case with every other common dilemma, there is no slam-dunk answer. Each option has its own benefits and drawbacks, and it all depends on a set of financial and personal considerations.
First, your finances. Affordability is clearly key, and you need to ask the question of how stable is your job and how healthy is your general financial situation. The short-term monthly-cost of leasing is significantly lower than the monthly payments when buying: you only pay for “the portion” of the vehicle’s cost that you use up during the time you drive it.
If you have a lot of cash upfront, then you can opt to pay the down payment, sales taxes - in cash or rolled into a loan - and the interest rate determined by your loan company. Buying effectively gives you ownership of the car and that feeling of “free driving” that goes on providing transportation.
If, say, you want to get into luxury models but can’t afford the upfront cash of purchasing the vehicle than you’re a good candidate for leasing. Unlike buying, it gives you the option of not having to fork out the down payment upfront, leaving you to pay a lower money factor that is generally similar to the interest rate on a financing loan. However, these benefits
have a price: terminating a lease early or defaulting on your monthly lease payments will result in stiff financial penalties and can ruin your credit. You need to make sure you carve out the monthly lease payment in your budget for the foreseeable future, at least for the duration of the lease.
Besides the financial aspect, making a buy or lease decision depends on your own particular lifestyle choices and preferences. Think about what the car means to you: are you the sort of person to bond with the car or would you rather have the excitement of something new? If you want to drive a car for more than fives years, negotiate carefully and buy the car you like. If, on the other hand, you don’t like the idea of ownership and prefer to drive a new car every two to three years then you should lease.
Next, factor your transportation needs: How many miles do you drive a year? How properly do you maintain your cars? If you answer is: “I drive 40,000 miles a year and I don’t really care much about my cars as I don’t mind dealing with repair bills”, then you’re probably better off buying. Leasing is based on the assumption of limited-mileage, usually no more than 12,000 to 15,000 miles a year, and wear-and-tear considerations. Unless you can keep within the prescribed mileage limits and keep the car in a good condition at the end of your lease, you might incur hefty end-of-lease costs.
First, your finances. Affordability is clearly key, and you need to ask the question of how stable is your job and how healthy is your general financial situation. The short-term monthly-cost of leasing is significantly lower than the monthly payments when buying: you only pay for “the portion” of the vehicle’s cost that you use up during the time you drive it.
If you have a lot of cash upfront, then you can opt to pay the down payment, sales taxes - in cash or rolled into a loan - and the interest rate determined by your loan company. Buying effectively gives you ownership of the car and that feeling of “free driving” that goes on providing transportation.
If, say, you want to get into luxury models but can’t afford the upfront cash of purchasing the vehicle than you’re a good candidate for leasing. Unlike buying, it gives you the option of not having to fork out the down payment upfront, leaving you to pay a lower money factor that is generally similar to the interest rate on a financing loan. However, these benefits
have a price: terminating a lease early or defaulting on your monthly lease payments will result in stiff financial penalties and can ruin your credit. You need to make sure you carve out the monthly lease payment in your budget for the foreseeable future, at least for the duration of the lease.
Besides the financial aspect, making a buy or lease decision depends on your own particular lifestyle choices and preferences. Think about what the car means to you: are you the sort of person to bond with the car or would you rather have the excitement of something new? If you want to drive a car for more than fives years, negotiate carefully and buy the car you like. If, on the other hand, you don’t like the idea of ownership and prefer to drive a new car every two to three years then you should lease.
Next, factor your transportation needs: How many miles do you drive a year? How properly do you maintain your cars? If you answer is: “I drive 40,000 miles a year and I don’t really care much about my cars as I don’t mind dealing with repair bills”, then you’re probably better off buying. Leasing is based on the assumption of limited-mileage, usually no more than 12,000 to 15,000 miles a year, and wear-and-tear considerations. Unless you can keep within the prescribed mileage limits and keep the car in a good condition at the end of your lease, you might incur hefty end-of-lease costs.
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